Log In To

No Online Account?

Search Search iconClick here to open search.Search iconClick here to open search.Search iconClick here to open search.

Close icon.Click here to close search. Close Search

Disability Insurance for Physicians and Dentists

Physicians and dentists have unique needs for disability insurance coverage.

We understand that as a medical professional, you've made a significant investment in your education and career. It's more than a job, it's what you love and who you are. If you get sick or hurt and can't practice, there's more at stake than just an income.

Get more choice. Take more control.

Northwestern Mutual's disability income insurance for physicians and dentists is unique — it gives you more choice and control if you become partially or totally disabled. It protects your income and lifestyle today and gives you more flexibility in achieving your goals for the future.

Definitions make a difference. See how you could benefit from Northwestern Mutual's Medical Own Occupation Definition by reviewing the following disability scenarios.

"My shoulder injury from a skiing accident is preventing me from performing surgical procedures, which accounts for the majority of my time and income."

Traditional Own Occupation Definition:

You will likely need to continue to work in order to receive a portion of your benefit.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

You can completely stop working and receive your full benefit.

You can decide to try and work, including in another type of job, and be eligible to receive a proportionate benefit.

post-disability income options vs new occupation income:

$10,000 Pre-disability income

$5,000 Policy benefit

Policy Benefit

Post-Disability Income

Pre-Disability Income Gap

"I decided to stop working and to receive my full benefit."

"I decided to teach, earning $2,000, allowing me to also receive full benefit because combined they do not exceed my pre-disability income."

"I had a stroke and am no longer able to do any duties of my patient care. However, I can still consult on medical cases for health insurers, about 20% of my time and income before my stroke."

Traditional Own Occupation Definition:

You must be gainfully employed in an occupation to be eligible to receive benefits.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

You can completely stop working and receive your full benefit.

Keep working — either with health insurers or in a new career — and be eligible to receive some or all of your benefit.

post-disability income options vs new occupation income:

$16,667 Pre-disability income ($2,083 from consulting)

$10,000 Policy benefit

Policy Benefit

Post-Disability Income

Pre-Disability Income Gap

"I decided to stop working and to receive my full benefit."

"I decided to keep consulting for $2,083 per month, allowing me to claim my full benefit."

"Over the last year I've developed back pain that limits the amount of time I can work, so I've had to reduce my days in my pediatrics practice down to three."

Traditional Own Occupation Definition:

You'd have to keep working to receive benefits.

Northwestern Mutual Medical Own Occupation Definition:

You'd have to keep working to receive benefits.

post-disability income options vs new occupation income:

$20,000 Pre-disability income

$15,000 Policy benefit

Policy Benefit

Post-Disability Income

Pre-Disability Income Gap

"I continued to see my patients with reduced hours, receiving a portion of my benefit to offset the loss of income."

"My cancer and the corresponding treatment are preventing me from doing all of my medical duties, but I can still work in a less stressful job on a limited basis."

Traditional Own Occupation Definition:

You can take your full benefits and/or find employment in a different occupation while also receiving your full benefit.

Northwestern Mutual Medical Own Occupation Definition:

You have choices:

You can continue working in another job and receive a benefit equal to your loss of income, up to the full benefit amount.

You can completely stop working and receive your full benefit.

post-disability income options vs new occupation income:

$25,000 Pre-disability income

$15,000 Policy benefit

Policy Benefit

Post-Disability Income

Pre-Disability Income Gap

"I decided to stop working and to receive my full benefit."

"I decided to work in another field, earning $4,000 per month. That income will be supplemented by my full benefit."

Insurance that works with you. And a plan built for you.

An Expert to Partner With

So unique, it got a patent.

Northwestern Mutual introduced the patented* Medical Occupation Definition in 2009 and continues to build on that with the new Medical Own Occupation Definition today.

A Plan tailored to your life.

You're in control.

If you get sick or hurt, you may have the ability to decide whether to continue working or not, and if so, how much.

Best-in-class products to take you there.

No loss of income proof.

For the first six months in which you are eligible to receive a partial disability income benefit, we won't require you to demonstrate a loss of earned income.

We're here for you.

At Northwestern Mutual, we take a "whole picture" approach to help you develop a financial plan, growing wealth with personalized investments and protecting what matters most through insurance. Disability income insurance is just one important part of a comprehensive financial plan. We'll help you understand what true financial security is and how to put all the pieces in place to achieve it.

Take the next step.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Long-term care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Securities are offered through Northwestern Mutual Investment Services, LLC, (NMIS) a subsidiary of NM, broker-dealer, registered investment adviser, member FINRA and SIPC. Fiduciary and fee-based financial planning services are offered through Northwestern Mutual Wealth Management Company® (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with the titles "Financial Advisor" or "Wealth Management Advisor" are credentialed as NMWMC representatives to provide advisory services.